How To Use Bilt Dining To Earn More Points at Restaurants [2025]

Bilt Rewards is best known for the Bilt World Elite Mastercard^® Credit Card, which lets you earn Bilt Points on rent payments to any landlord, up to 100,000 points per year, with no transaction fees. You do need to use the card at least 5 times each statement period to earn points (see rewards & benefits). However, there are more ways to earn points, even if you don’t have a Bilt Card in your wallet. One of these ways is to leverage Bilt Dining when you go out to eat.

This dining program lets you earn Bilt Points when you dine at over 20,000 participating restaurants listed in the app. All you have to do is link any credit or debit cards to the Bilt app, and you automatically earn points when you dine at participating restaurants and pay your bill with a linked card.

Using Bilt Dining instead of an airline or hotel dining program can also be advantageous. Bilt Points are more flexible than airline miles or hotel points since you can transfer them to a variety of loyalty programs. Transfer partners include reader favorites like Alaska Airlines Mileage Plan and World of Hyatt.

Here, we’ll give you an in-depth look at how to earn Bilt Points with Bilt Dining.

Basics of Using Bilt Dining

As mentioned, you don’t need a Bilt Card to sign up for Bilt Rewards. Anyone can sign up for free and earn points with Bilt Dining and through Bilt’s partnerships with Lyft and Walgreens.

Bilt Rewards members without a Bilt Card can still transfer their points to transfer partners or redeem them through the Bilt Travel Portal.

Linking Cards to Your Bilt Wallet

You can link your credit cards to your Bilt Wallet to earn with Bilt Dining. To do this, sign in to your Bilt Rewards account and click on the Wallet tab on Bilt’s website or mobile app.

Click the Add card button in the middle of the screen to add a new card. You can link your credit cards automatically through Bilt’s partnership with Method or connect your cards manually.

How To Find Bilt Dining Restaurants and Earn Points

To find Bilt Dining restaurants, click the Neighborhood Benefits tab on Bilt’s website or the Neighborhood tab on the mobile app. Once on this screen, click the Dining button at the top of the page.

Here, you may see an option to enable Bilt Dining at all of the program’s over 20,000 restaurants. You can turn this on to earn at all participating restaurants, but note that this will remove your card from other dining programs powered by Rewards Network. This includes most — if not all — of the major airline and hotel dining programs.

You can also view participating restaurants and their earning rates on this screen. Scroll down to view restaurants near you. You’ll also find options to filter participating restaurants by popular cuisines and Bilt’s favorite restaurants in your city.

To view more restaurants, scroll to the bottom of the page and tap Browse all restaurants. You can use the search bar at the top of the screen to search by city or cuisine. Then you can filter search results by price and other metrics using the buttons below the search bar. You can also sort by distance, ratings, and popularity. Unfortunately, there’s no way to see participating restaurants on a map at this time.

Tap on a restaurant to view more details, including its address, menu, and operating hours. You can make OpenTable reservations at select restaurants on this page, too. You can see how many points you’d earn per $1 in the middle of the page. Most restaurants earn 2 or 3 points per $1 spent on your total bill.

And that’s all there is to it. Pay with a card linked to your Bilt Rewards account, and you earn points automatically. Points can take up to 7 days to appear in your account but often post much faster.

The points you earn through Bilt Dining count toward qualifying for Bilt Rewards elite status. Further, all points are earned in addition to what you already earn with your credit card, regardless of whether you’re paying with a Bilt Card or another rewards-earning credit card.

Keep an Eye Out for Bilt Dining Promotions

Note that Bilt often runs promotions that let you earn bonus points. For example, at the time of writing, you can earn 10 points per $1 spent (up to $5,000) at restaurants in New York, New Jersey, and Connecticut. This promotion ends on March 7, 2025.

That said, points earned with Bilt Dining are not doubled on Rent Day, even if you pay with a Bilt Card. Instead, you only earn double points (6 points per $1 on dining) on the restaurant charge if you pay with your Bilt Card, not double points on bonus points earned with Bilt Dining. Be sure to use your Bilt Card at least 5 times each statement period to earn points (see rewards & benefits).

However, Bilt sometimes incorporates Bilt Dining into Rent Day, so keep an eye out. You can earn up to 1,000 bonus points with your Bilt Card on Rent Day.

Example Restaurants

Bilt Dining has massively expanded its catalog of restaurants since its launch. Nowadays, you’ll find participating restaurants all over the country. As mentioned earlier, there are now over 20,000 restaurants around the U.S. that participate in Bilt Dining.

You’ll typically find that participating restaurants are independent local restaurants, not chains, so it’s a great way to find new places to eat. On that note, the Best of Bilt list on the app’s Neighborhood page is a great way to find new restaurants.

Most users have the best luck finding eligible restaurants in major cities. For example, in New York City, eligible restaurants are in nearly every borough and neighborhood. Some of my favorite restaurants and cafes, including Riverpark in Midtown, Sugar Hill Cafe in Harlem, and Queen’s Room in Astoria, made the list.

I checked other cities I frequent and was pleasantly surprised. Some of my favorites in Chicago, like Byron’s Hot Dogs and Armand’s Pizzeria, made the list. Meanwhile, iconic eateries like the Peached Tortilla and Jeffery’s in Austin, Texas, are also on Bilt Dining.

Best Credit Cards To Use With Bilt Dining

Again, you don’t need the Bilt Card to earn points with Bilt Dining, but it’s still a card worth considering. The card has a $0 annual fee (rates & fees) and earns bonus points on travel and dining. Remember, you must use your card at least 5 times each statement period to earn points (see rewards & benefits). Plus, you can use Bilt’s monthly Rent Day promotion to double your earnings on the first of the month, up to 1,000 points every Rent Day.

Terms Apply / Rates & Fees

Bilt World Elite Mastercard^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at Bilt's secure site)

Bilt World Elite Mastercard^® Credit Card

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

See Rate & Fees

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard^® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt Card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 at restaurants
• 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

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Card Highlights

• $0 Annual Fee
• Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
• Earns 3x points on dining
• Earn 2x points on travel
• Earn 1x points on other purchases
• Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
• Use the card 5 times each statement period to earn points
• Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
• Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
• Select “Learn More” to learn more about the product features, terms, and conditions

Financial Snapshot

• APR: See Rate & Fees
• Foreign Transaction Fees: $0

But that’s not your only option since all Visa, Mastercard, and American Express cards can be added to your Bilt Wallet. Some of our other favorite credit cards for dining include the American Express^® Gold Card and the Chase Sapphire Preferred^® Card. These cards earn transferable points and award bonus points on dining. While they both have substantial welcome offers, you do have to pay an annual fee.

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

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Card Highlights

• Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

BEST BEGINNER CARD

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

UP's Offer Valuation*:

$1,200

Annual Fee

$95

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Final Thoughts

Bilt Dining is an excellent way to earn more points while dining around your neighborhood. You’ll find a slew of great restaurants on Bilt Dining in major cities around the U.S., and earning points is as simple as linking a credit card to your Bilt Wallet and using it to pay your bill.

Unlike airline and hotel dining programs, purchases with Bilt Dining earn points that transfer to some of our favorite loyalty programs like Air Canada Aeroplan, Alaska Airlines Mileage Plan, and World of Hyatt. This is far more flexible than earning with a single airline or hotel loyalty program.